At a glance
- Variable (owner occ. P&I)
- 6.50%6.50% comparison
- Variable (investor P&I)
- 6.80%
- Max LVR
- 80%
- Features
- offset, redraw, extra repayments
How it compares
This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.50% | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions | 69th lowest of 104 |
| Investor variable home loanInvestment, principal & interest, 80% LVR | 6.80% | 5.94%AAA Financial Corporation's Portfolio Loan | 6.59%of 104 institutions | 74th lowest of 104 |
Rates
Every rate ANZ Plus publishes for this home loan, 4 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariablePrincipal and Interest, Investor, Discounted Rate | Investment, P&I | - | - | 6.80% | 6.80% | - |
| VariablePrincipal and Interest, Investor, Index Rate | Investment, P&I | - | - | 9.49% | - | - |
| VariablePrincipal and Interest, Owner Occupied, Discounted Rate | Owner occupied, P&I | - | - | 6.50% | 6.50% | - |
| VariablePrincipal and Interest, Owner Occupied, Index Rate | Owner occupied, P&I | - | - | 8.89% | - | - |
Fees
5 fees published, grouped by when they're charged.
When particular things happen3
- ANZ LOAN DISCHARGE FEE
This fee is payable each time ANZ is required to attend a property settlement (in person, electronically or another way) and a discharge of the Mortgage over the Property is required.
$350 - LATE PAYMENT FEE
Charged when a payment remains unpaid for 30 days or more after it is due. A further fee is payable monthly when the loan continues to be in arrears.
$20 - Production Fee
This fee is payable each time ANZ produce title documents for you (in person, electronically or another way) on your request.
$150
Other fees2
- Discharge Of Mortgage
Payable to the government body when discharging an existing mortgage over a property. Refer to a relevant state/territory revenue office for the amount
From $0 - Registration of Mortgage
Payable to the government body when registering a mortgage over a property. Refer to a relevant state/territory revenue office for the amount
From $0
Features
Eligibility and limits
- Minimum age 18
- Residency: Australian Citizen, New Zealand Citizen, Australian Permanent Resident
- Available to individuals
- Amount $10,000 to $2,000,000
- Maximum LVR 80%
- You're refinancing an existing home loan
- You earn PAYG income or rental income
- You want to refinance your residential property
- Your property is not located in Tasmania or Northern Territory
- Additional Lending Eligibility Criteria
- All applicants are listed on the title to the property
- You are not a guarantor on any other loan
- You don't own commercial or industrial property
- You’re a current ANZ Plus customer or will download the ANZ Plus app and open an eligible ANZ Plus deposit account/s before applying
Compare it with others
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Published by ANZ Plus under the Consumer Data Right, last changed by them on 9 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.